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Have you ever had a cake so breathtaking, the thought of cutting into it pains you?

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China women hot – Pakistani brides rue marrying ‘rich’ Chinese

China women hot – Pakistani brides rue marrying ‘rich’ Chinese

The seeds of the problem were sown three decades ago.

In the years following the Cultural Revolution, the People’s Republic of China put into effect its one-child policy.

Under its purview, every couple was limited to just one offspring.

While the policy itself finally ended in 2015, its effects did not.

First among these effects was selective abortion, as well as the alleged killing of infant girls seen as a burden rather than an asset to the family.

None of that is or should be news to Pakistanis, who often hear of cases of newborn girls being killed and their bodies thrown into garbage heaps in their own country.

The World Economic Forum’s Global Gender Gap Report, 2018, showed the sex ratio in China as 0.94 female to one male.

Not only is this a problem in numerical terms (the men who were born and grew up during the one-child policy era now need brides), it is also one in sociological terms.

The same, mostly male, generation (instead of the natural 50:50 male-to-female ratio) is experiencing greater economic prosperity than ever before.

As relations between China and Pakistan have matured into unprecedented closeness, it seems that many Pakistani women have become unwittingly embroiled in a crisis that shows few signs of abating.

In the past several months, reports have emerged of Pakistani women being married off to Chinese men and being sold into prostitution once they are in China.

In the most recent report that came to light last month, two girls, Samina and Tasawur Bibi, from Kot Momin in Sargodha district reported that their own poverty-stricken parents married them off to two Chinese men.

The men said that they were Muslim and that they would keep the girls in Lahore and not take them to China.

They also said that they would help their families start some businesses and improve their lives. None of this happened.

When the girls got to Lahore, they reportedly found that the men were operating a brothel under the guise of a marriage bureau.

The men had faked everything including their religion. Sadly, as we hear of many other cases, the story seems fairly typical though the details can vary.

The case of Rabia Kanwal that was reported in the New York Times involved a woman and her family who were lied to.

Her husband said that he was Muslim and was a wealthy myasianmailorderbride.com farmer.

According to Ms Kanwal, she was then flown to China and ended up in Hunan province after a short stop in Urumqi in Xinjiang province.

There she was surprised to find that her husband was not the wealthy man he had pretended to be but a poor duck farmer.

Ms Kanwal said she wanted to leave, something she was eventually able to do with the help of the Pakistani embassy.

When the Times talked to her husband, he said he was rich and claimed that he had only become Muslim on paper for the purposes of marrying her.

In yet another variation on trafficking, sometimes the women report actually being taken to China where they are sold into prostitution.

Pakistani marriage brokers are also allegedly working and arranging marriages between girls of poor families and Chinese men who are coming to Pakistan to work on various projects.

The men apparently stay in various rental properties until the marriage takes place and then leave with the women.

In raids carried out by the FIA, several Chinese individuals have been arrested on charges of operating brothels or trafficking women.

In recent weeks, the media attention garnered by the issue has led Chinese officials to denounce allegations that Pakistani brides were being trafficked to China.

Along with the statements, videos of Pakistani women married to Chinese men were released.

In the videos, the women who may or may not have actually been married to the Chinese men declare in Urdu how happy they are.

The men do not say anything at all but stay in the frame the entire time.

Whether or not the videos are authentic, it is true that China’s woman deficit has previously led to women being trafficked from other regional countries, such as Myanmar.

In a statement, the rights watchdog Human Rights Watch also attested that the pattern of trafficking appeared to be very similar.

There is no doubt that the Chinese government needs to do much more to crack down on this problem by monitoring Chinese men who pass through immigration with Pakistani brides.

At the same time, the Pakistani government and Pakistani society in general also need to give some serious thought to what they expect out of their exchange with China.

It is sad that closer relations between the two countries, with men from China coming to Pakistan to work on the Belt and Road Initiative, has created a situation where women find themselves vulnerable to trafficking.

But it is not very surprising, given the fact that many of the Chinese workers come from a society where not everyone can marry (especially because of the shortage of women).

The result of all this is the victimisation of unsuspecting Pakistani women.

Beyond the human trafficking dimension, Pakistanis also need to think long and hard about their terms of cultural exchange with China.

It is quite one thing to accept Chinese money and laud Chinese projects, it is quite another to embrace a culture that is qualitatively different from Pakistan’s own.

Until now, this is probably the least considered aspect of Pakistan’s turn towards China.

Unless it is attended to, women will continue to bear the brunt of the two governments looking away every time they are exploited.

It is about time that both governments worked together to come up with an effective strategy to stop this practice.

Pakistan said it has busted a criminal ring that trafficked young women to China, arresting eight Chinese nationals and four Pakistanis suspected of human trafficking.

‘The gang members confessed that they have sent at least 36 Pakistani girls to China where they are being used for prostitution,’ Jameel Ahmad, a top official at Pakistan’s Federal Investigation Agency, said on Monday, Reuters reported.

The cases in Pakistan highlight what Human Rights Watch has called a ‘disturbingly similar pattern’ of women being trafficked to China for sham marriages from at least five other Asian countries.

Over the years, similar cases of trafficking of young and underprivileged girls have been reported in Myanmar, Cambodia, Laos, North Korea and Vietnam.

Ly Thi My, a Vietnamese mother showing a photograph of her missing daughter Di, whom the mother believed have been kidnapped and may have sold to China. Photo: AFP/Nhac Nguyen

In Myanmar, hundreds of women and girls are sold to Chinese families as ‘brides’ every year and held in sexual slavery, often for years, according to Human Rights Watch.

Smugglers often lure women with false promises of employment in China.

A 24-year-old North Korean woman crossed into China with the help of a broker who promised her a job as a waitress. But she was locked inside a house and forced to live with a Chinese man, the South China Morning Post reported in 2017.

China has 31.6 million more men than women, according to the latest data from the National Bureau of Statistics, the result of a combination of its decades-long one-child policy and a cultural tradition that favors sons.

Last month, Ary News, a Pakistani news station, uncovered a matchmaking center in the process of transiting six women and girls to China as brides.

The women’s families received $2,800 each and were promised $280 per month in future payments, plus a China visa for a male family member, according to the broadcaster.

A Cambodian woman of a forced marriage to a Chinese man sitting with her mother on the steps of their family home in Phnom Penh. Photo: AFP/Tang Chhin Sothy

In response, the Chinese embassy in Islamabad said that Chinese authorities have been working with law enforcement in Pakistan to crack down on illegal matchmaking activities.

In 2017, the US State Department categorized China as being among the worst offenders for human trafficking and forced labor.

Rabia* got married to a Chinese man last October at her home in Faisalabad, a northeastern Pakistani city famous for its textile mills.

“My parents were happy and they told me that the Chinese man is rich and handsome and will keep you happy,” she told Anadolu Agency over the phone.

But when she reached China two months later, she was shocked.

“In Pakistan, a local pastor who played a role as an agent in my marriage, told my parents that the man has converted to Christianity, has a huge house in China, and will keep your daughter happy. But when I reached there he took me to a small house and confined me to a room,” she added.

Rabia is among the hundreds Pakistani women, mostly from the minority Christian community, who Pakistani authorities fear have become victim to a bride trafficking racket run by a Chinese gang.

The men pose as affluent professionals looking for a bride and use the marriage for cross-border human trafficking — often selling off the vulnerable women in a foreign country to prostitution dens or organ harvesting groups, rights groups claim.

There has been an influx of Chinese nationals in the South Asian nation, with Beijing bringing multi-billion dollars of investment in Pakistan through the China Pakistan Economic Corridor (CPEC), a network of roads and railways under its ambitious Belt and Road initiative. Entire localities in mega-cities have now been rented out by Chinese citizens and restaurants and even a Chinese-language daily have been launched to cater to their needs.

“I faced a tough time there. He had not converted to Christianity, neither was he rich. I returned to Pakistan last month,” Rabia added.

She refuses to share any further details about her days spent in China but says she is pregnant.

Saleem Iqbal, an activist for the Christian community in Pakistan, told Anadolu Agency that many women who left their Chinese husbands to return home are pregnant.

“Now what will the women do with these babies after birth,” he said, referring to the difficult single-parenting roles they will have to take up.

Last week, Pakistani authorities launched a crackdown against Chinese nationals who are allegedly involved in human trafficking and organ trade.

The Federal Investigation Agency (FIA) in Islamabad has so far arrested 79 Chinese and Pakistani citizens who are suspected of being involved in trafficking using cross-border marriages, local broadcaster Dunya News reported.

An investigation team from Beijing has also arrived in Islamabad to help Pakistani authorities.

CPEC marriages

Photos of a Chinese and Pakistani couple appeared in a local newspaper in November 2017 as the first of what began to be referred by the media as “CPEC marriages”.

So far, no official data is available with authorities regarding such marriages in Pakistan, however, Iqbal puts the figure in hundreds.

Banners have been displayed in low-income Christian-majority areas of cities announcing matrimonial ads and incentives for girls who marry into Chinese families.

“Long-live Pakistan-China friendship. Attention: Christian girls from needy, poor and respectable families wanted for marriage in China; all expenses to be borne by groom, no education needed for bride,” reads a banner displayed in Youhanabad, one such area in the northeastern city of Lahore.

Such incentives are viewed as a godsend for poor families in a country where marriages are often marked by hefty dowries paid to the groom.

“I removed these banners and asked the community to steer away from these people,” Iqbal said, adding that the Chinese men even married disabled and minor girls.

Interviews with members of the affected Christian community suggest the Chinese men gave $4,000-5,000 per bride to their local facilitators who paid $1,000-2,500 to the parents.

Christians, Pakistan’s largest religious minority, account for roughly 3% of the country’s total population of around 207 million. Most of them reside in Punjab, Pakistan’s largest province, where they are mainly involved in the sanitation, nursing and teaching sectors.

However, not all marriages have a sad ending.

Sophia, a Pakistani Christian woman from Lahore, got married to a Chinese engineer who works for the CPEC.

“I am happy with him,” she says, adding that she visited China last year and spent a month there.

Rights group urge action

The Human Rights Watch in a report released last month urged authorities in both countries to take action against gangs involved in human trafficking.

“We notice that recently some unlawful matchmaking centers made illegal profits from brokering cross-national marriages,” the New York-based watchdog said.

“Both Pakistan and China should take seriously increasing evidence that Pakistani women and girls are at risk of sexual slavery in China and take effective measures to end bride trafficking,” it urged.

China has rejected the media reports of forced prostitution and sale of human organs of Pakistani girls.

“Several media reports have fabricated facts and spread rumors. According investigation by our Ministry of Public Security, there is no proof of forced prostitution or sale of human organs of Pakistani women who stay in China after marriage,” the Chinese Embassy in Islamabad said in a statement.

Pakistan Foreign Ministry spokesman Mohammad Faisal said they are addressing complaints filed by aggrieved citizens and are collaborating with Chinese authorities in the investigation.

Mythbusting Internet dating

Mythbusting Internet dating

Online dating is normally increasingly popular, but nevertheless , misinformation about the industry abounds. (more…)

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Shmppo: Teaching Critical Technology Thinking

Shmppo: Teaching Critical Technology Thinking

As the end-of-school bell rings, middle schoolers immediately reach into sweatshirt pockets and colorful backpacks to reunite with their smartphones. Suddenly, the frenzy of voices is joined by the ding of new messages. Amidst the clanging lockers, students pose for photos with friends and giggle at the latest Snapchat filters. Even goodbye waves are accompanied with reminders to send messages or add each other to the latest group chat.

In their personal lives and in schools, most students eagerly embrace innovative technology and quickly gain tech fluency especially when it comes to smartphones. While proficient technology use is important, it’s not enough to prepare students to make thoughtful decisions. As the world’s future decision makers, our students must wrestle with the costs, benefits, promises, and perils of technology. National Geographic reporter Robert Draperpoints out that technology often offers the best and worst at the exact same time. In other words, most new tech isn’t all good or all bad. New infrared cameras can help save endangered pandas, for example, but they can also subject us to Orwellian surveillance.

In order for students to critically evaluate the technology they use, they need more than how-to classes. Proficient smartphone use doesn’t mean you can reasonably consider how it’s impacting your life or when you should put your phone away to focus on other things. Learning to code is great but it doesn’t prepare you to consider the way algorithms shape the social media world. Instead of just teaching students how to use technology, let’s also teach them how to think about it.

Below, I offer a few suggestions for where to start if you want to integrate critical technology thinking into your classroom.

Take a Reasoned View

Before you jump into tech conversations with your students, take a moment to examine your own views. Are you preoccupied with a new app’s possibility for bullying? Are you enamored by the ways a new device will make your life better?

Dana Boyd, author of It’s Complicated: The Social Lives of Networked Teens, points out that teachers, along with most adults, are typically divided into two tech-thinking camps: techno-utopians embrace technology as the solution to massive world problems while cyber-dystopians panic over the dire possibilities of each new change. Both schools of thought have merit, but neither is enough to teach our students how to thoughtfully analyze technological possibilities. When students think about miniscule new cameras, for example, they must use both views: On one hand, the smaller cameras may allow citizens to expose harsh government actions but they may also broadcast personal conversations without consent. Instead of falling into an extreme view, adopt a reasoned approach that considers benefits as well as costs.

Teaching Tech Through Literacy

Teaching how to think about technology doesn’t mean that you just load up on expensive computers or equipment. When we consider critical digital consumption as more than a how-to guide, we can build the conversations into lessons in many subjects.

During a recent fellowship at Tulsa Institute For Teachers with Dr. Denise Dutton, I researched ways to teach critical technology skills without being tied to a specific piece of technology. Literature, for example, offers plenty of opportunities. Consider Jean Craighead George’s 1959 novel ‘My Side of the Mountain,’ a text I used in my own 5th grade classroom. In the fictional, pre-internet world, protagonist Sam Gribley runs away from home and makes a life in the woody Catskill Mountains. The book offers a perfect backdrop to discuss how tech has changed the coming-of-age experience. How would Sam’s experience be different if he could just use GPS to find his destination? Would he have avoided mistakes and their accompanying discoveries if he could watch a Youtube tutorial for how to make a fire?

A novel written before a new technology comes into vogue isn’t out-of-date; it’s an opportunity to discuss how technology changes the way we live and interact. Mine your bookshelves and library turntables for texts that work for your class.

Read Up

While you probably can’t cover every area of technological influence, there are plenty of smart books about the way technology is changing our students’ lives. If you’re concerned about the way that devices impact student interaction, check out MIT professor Sherry Turkle’s work. Her latest book, Reclaiming Conversation: The Power of Talk in a Digital Agefocuses on how technology impacts student talk. Alone Together, also by Turkle, is a research-heavy take on how technology impacts relationships and peer connections. Another text to check out is Alan Lightman’s recently released book In Praise of Wasting Time in which he analyzes the cumulative impact of the constant connectivity made possible by smartphones, laptops, and smartwatches. A quick trip to your library or local bookstore will yield additional options.

No matter what subject you teach, consider integrating critical technology thinking. You don’t have to be a master coder, viral Youtuber, or cutting-edge social media user to guide students towards thoughtful digital consumption. Instead, think about how to leverage books or lessons that you already have. Our students need more than new gadgets to navigate the ever-evolving world of technology.

EducationWorld is pleased to present this article contributed by C.M. Rubin. The piece is part of Rubin’s online interview series Global Search for Education, in which she joins thought leaders as they explore big-picture education questions that all nations face. For this series and her other online series “How Will We Read?”, she received a 2011 Upton Sinclair award. Rubin is also the author of three bestselling books, including The Real Alice in Wonderland.

Flash forward a decade or so. How do we feel about girls and games today? How do we feel about our STEM (Science, Technology, Engineering, Mathematics) issues? And how do we feel about using games to help students grasp difficult math and science concepts–games that let them actively engage with learning?Doom, Duke Nukem, Abe’s Oddysee, Driver, Enter the Matrix…I watched as my husband and his business partners launched some of the biggest games in the world. ‘Is this just a guy thing?’ I wondered. What about girls? Girls wanna play games, too. ‘There is no market for girl games,’ explained the male marketing director. ‘Oh really?”

I am pleased to welcome Lucien Vattel, CEO and founder of GameDesk, and Asi Burak, President of Games for Change, to talk about Girls and Games.

Are there games that promote STEM that are created for girls? What are some of the best learning games for girls?

Asi Burak: I belong to the camp that believes that the games industry only scratches the surface in terms of potential mainstream audiences, and the breadth of issues and genres we can tackle, beyond what we’re seeing today. Fortunately, some developers and publishers recognize the huge opportunity and necessity to address girls, especially with STEM games. Our only barriers are legacy, public perception and norms. A good example, and relatively new, is PBS’s SciGirls – a TV show that is accompanied by online games and activities.

There are also bold efforts that directly aim at ‘converting’ girls into game developers, designers and coders such as Girlstart, Girls Who Code and the initiative by Dell and the Girl Scouts called Be The Game Developer. What these efforts have in common is the belief and understanding that girls and women MUST be part of this emerging medium, both as consumers and as creators.

Lucien Vattel: There are many games currently designed, particularly in the science and math areas, where female perspective is definitely taken into the design. There aren’t a lot of girl-focused games, but definitely the design-learning type games — what we call mobile sandbox type games — are targeted to girls, especially in the design and engineering process. Look at the effort being made in MineCraftEdu, for example — the amount of girl contributions is highly significant. The different sandbox type games that are out there now put kids in a position to openly design and explore, and a lot of the inventor games have kids construct Rube Goldberg or simple machines. There’s a fantastic game called Newton’s Playground that focuses on bridging natural creativity to engineering and has shown a lot of promise with the girl population.

On the bright side, there is more debate around this than ever before, and more programs and products that try to change the equation. So I’m optimistic, but it may take longer than we’d like.

Generally speaking, games are mostly developed by men and most of the big game companies are run by men. Do you think that has an impact on the appeal of the end product? Do you think there are any strategies that might be used to make the end product appealing to both girls and boys?

Asi Burak: I am confident it has a tremendous impact. The Game Developers Conference (GDC) brings together in San Francisco more than 20,000 game developers every year to discuss and engage with the latest and most exciting ideas around game design and development. However, when I look around, 90% of the attendees are white males. People in the industry speak about the lack of diversity more than ever before, but change is slow. According to the last figures I’ve seen, only 10% of the folks who work in the games industry are females. If you dig deeper and look for hard-core coders or designers, you would find only 3-4% females. Naturally, that affects the types of games being developed. It’s a chicken and egg cycle – smoosh com if girls don’t find games that speak to them, and are not encouraged to become ‘gamers,’ then there is less incentive for the big publishers and developers to make products for them.

Lucien Vattel: Without a doubt, that is absolutely the case. However, in the general independent games arena, there’s been a lot of really fantastic, unique and different games that come out of girl development groups and girl-driven design groups. That hasn’t completely permeated the education space yet, but there’s an incredible amount of designers who are women. I think if you look at a game called Reach for the Sun, there were a lot of female designers on that game. So, I think the strategy to create games appealing to both boys and girls is simple — hire more women/girls.

Asi Burak: Absolutely. I was really happy to learn that Robin Hunicke, who keynoted the 2013 Games for Change Festival, is one of the faces of the Google campaign. We need big efforts and aggressive campaigns to change the very imbalanced picture. It’s great to see Robin, Leigh Alexander, Jane McGonigal, Brenda Romero and other thought-leaders emerging and changing the public perception of what the games industry is all about and what games are. At the Games for Change Festival, 50% of our speakers are females. Part of it is our intention, but the other part has to do with more females pushing the boundaries of the medium. We partnered with Nicholas Kristof and Sheryl WuDunn on ‘Half the Sky Movement’ to create four games specifically designed around the empowerment of women and girls. Perhaps the best evidence that change is coming: our Facebook game has reached over 1.3 million players, and 80% of them are female. There is a clear demand for high-quality experience for women and girls; we just need to make sure we change the supply side.What do you think of the Google initiative to encourage girls to code? Will it help?

Lucien, can you tell us about games specifically related to developing math and science skills?

Geomoto focuses on earth science and geoscience through two games: Continental Drift and Plate Tectonics. This is an interactive set of games that uses LEAP Motion technology to teach players about these scientific concepts.

Continental Drift is a puzzle game that encourages players to recognize patterns and use information to make hypotheses, test theories and use reverse engineering techniques to understand geological models. The students’ mission is to return present-day Earth to its Pangea state.

We’ve found that the LEAP Motion technology, which tracks hand movement, resonates with female students, and they are more easily able to grasp difficult scientific concepts by engaging in natural, physical movements. Plate Tectonics allows students to virtually create geographic features by pulling, smashing and grinding tectonic plates together. This game also uses the LEAP Motion Controller, allowing players to produce the motion of the plates using hand gestures. Initial challenges focus on exposure to the vocabulary surrounding plate tectonics, with later levels requiring specific observations about the structures created from the plate collisions.

Mathmaker is a remedial math program that has a long history of helping at-risk students attending large urban schools struggling to reach proficient levels in mathematics. Students engage in a carefully structured series of game-making activities that require them to grapple with and apply mathematic standards in game design, game logic and game programming activities. The curriculum is designed to improve students’ mathematic proficiency, increase students’ motivation in math and positively impact students’ STEM identities.

Mathmaker was used in a pilot program in a California high school, and the data demonstrated strong quantitative and qualitative results, with an increase of an average of 20 percent on mathematics proficiency tests. Additionally, 80 percent of students posted math content improvements from pre to post-tests. The Mathmaker program allows students to create their own games by applying mathematic principles, and this allows students to create and produce games they want to play.

When given the tools to create games, we found female students to be incredibly creative, and we actually hosted a games course at a Southern California high school specifically for female students. We not only learned that a lot of girls were interested in games and game development, but also that the games they created had to do with social, cultural and emotional interactions, which is a growing market in the video game industry focusing on female players.

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A little private loan may be a quick, convenient option to pay for a quick cost, like a clinical costs or even vehicle fixing.

While many financial institutions typically offer individual loans above a specific threshold, generally $2,000, you’ ll locate possibilities for muchsmaller loans at several internet lending institutions and also many credit unions.

Unlike an automobile or home loan, an unsecured individual lending doesn’ t require you to pledge security in gain for obtaining the money. Your interest rate is based virtually totally on your creditworthiness. If your credit history is poor, you can easily still obtain a car loan, however you’ ll pay a higher cost than a person withexcellent credit.

A small individual finance needs to have to meet particular basic criteria, whichare worthalways remembering when you’ re purchasing loans. According to the National Buyer Regulation Center, loans are taken into consideration ” inexpensive ” simply if they have:

  • A maximum interest rate of 36%
  • A loan term of at least 3 months
  • Fixed monthto monthpayment quantities, certainly not balloon payments

Here’ s where you may acquire a small-dollar funding:

Small loans coming from online creditors

Many online lending institutions offer loans beginning in between $1,000 and $3,000 Online private loans are quick and convenient. Your rates of interest is actually based on conventional elements including your credit rating, credit report as well as profit, but some finance companies will certainly likewise consider various other aspects, including your kind of work and education level.

What to understand:

  • Most creditors will let you check rates without influencing your debt, so you can easily shop around at various financial institutions
  • At a credible financial institution, prices for individuals along withbad credit rating top out at 36%
  • Some finance companies might ask for source expenses between 1% and also 5% of the loan quantity. Just before selecting a financing, look at all the costs the lender costs and exactly how pliable the finance company is to view what works well for you.

Small loans coming from credit unions

Your regional credit union is the very best place to get a tiny buck loan. Given that cooperative credit union are actually not-for-profit companies constructed to serve their participants, you’ re most likely to acquire a budget-friendly tiny loan below than at various other kinds of financial institutions. A lot of cooperative credit union consider muchmore than your credit rating when they examine you for a car loan.

What to recognize:

  • You will definitely have to belong to a lending institution to make an application for a financing. You may commonly become one if you live, function or even praise in the location and down payment $25 in a savings account.
  • Federal lending institution, whichare actually insured by the U.S. authorities, deal payday alternative loans, usually in between $200 as well as $1,000, to consumers withlow credit scores
  • By rule, federal credit unions can ask for the greatest APRs of 18% for private loans as well as 28% for payday alternative loans
  • State cooperative credit union might possess muchhigher prices

>>>> MORE: NerdWallet’ s finest cooperative credit union

Small loans from banking companies >

Not all significant banking companies provide private loans. Amongst the five largest financial institutions in the country, Bank of America, Principal City One and also Hunt no longer release suchloans; Citibank and also Wells Fargo still perform, as perform some smaller sized banks.

Borrowers at these banks receive rate of interest based on their credit score profile as well as what state they stay in. If you have exceptional credit as well as a good connection along withthe banking company, you might receive a reduced rate of interest on a small private loan. Make an effort contacting the bank’ s client service division or seeing its own website to acquire the variety of rates of interest it gives.

Citibank loans begin at $2,000 as well as call for candidates to open a financial account just before requesting a car loan, among other disorders. Wells Fargo loans begin at $3,000. Existing consumers can use online, while brand-new customers must explore a division.

No- credit-check loans and payday creditors

There’ s no faster means to get a tiny lending than to go to a shop or even on the internet lender that doesn’ t inspect your credit report. That ‘ s due to the fact that they begin along withrates of interest thus higher – 200%, 300% and even muchhigher – that most customers acquire trapped in a pattern of debt. Four away from five cashadvance customers surrender or renew their loans, according to the Customer Financial Defense Bureau.

go to installation loans are actually also costly alternatives, withrates of interest above 200%.

If you can’ t await an individual loan as well as need money promptly, attempt:

  • Payday different loans from credit unions
  • Pawnshop loans, whichare slightly more economical than cashadvances as well as wear’ t damage your credit history’if you put on ‘ t settle them back
  • Other methods to attachcashmoney

If you’ re unsure regarding your credit history, get it absolutely free at NerdWallet.

Next steps

Build your reserve to a quantity that aids you avoid must take a small-dollar funding. The advised lasting objective is 3 to 6 months’ ‘ worthof costs, however also $five hundred in the financial institution will definitely get you via lots of small crises.

Consider dealing withyour credit scores as time go on, whichwill definitely give you muchcheaper alternatives from finance companies or even credit cards when emergencies arise.

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Chawla Chapter Solution Homework Market: Compromise Isn’t Always a Good Choice

The word ‘compromise‘ is commonly comprehended by many as to come to terms, to settle a dispute by mutual understanding, to meet each other halfway. It is actually the correct definition but it is definitely not a requisite thing in life as most of us presume. As Edmund Burke once stated,’All government–indeed, every human benefit and enjoyment, every virtue and every prudent act–is founded on compromise.’ The word compromise indubitably holds a positive touch. When we hear about someone’s act of compromise it clearly melts our hearts.

However, it would not be imprecise to say that compromising on your goals is not always a reliable option. Sometimes you need to stand by your beliefs and principles against all odds. Many a time you have to stay determined and focused without compromising to make your mark in the pages of history. Whether we talk about leaders, sportsman or human beings which are adored by friends and foes alike, history brings testimony to the fact that they don’t compromise and standing by their beliefs to achieve their goals.

Jeremy Lin, 27, the professional American Basketball player of NBA is the best illustration of how not compromising and standing for your dreams turn your life on the path of success and fame. In his college days he was considered the weakest guy on the team but today he has established himself as a strong, fast-paced offensive player. No player would have faced so many racial issues as he did during his college. He regularly heard bigoted jeers at games. Being an Asian his fellows used to tease him by saying him to go back to his country, many a time he was made to sit on the bench instead of playing though he was a team player he never loses his ambition, he never reacted to the chants. He once said ‘I expect it, I am used to it, this is what it is’. He acclaimed his NBA success to playing without pressure. He said ‘I am not in a battle with what everybody else thinks’. Due to his standpoint and not heeding to people marks he is considered as the most famous Asian-American basketball player today in NBA.

Another prominent example from history is the great leader ‘Martin Luther King Jr’ who through his actions and fortitude showed the world how he did not compromise on his dream and brought an end to slavery and racial discrimination. Despite much opposition, allegations, and agony, he stood by his point and combat racial inequality using non-violence movement. Had he feared the admonitions of the people and compromised on his ambition , there would never have been a revolutionary change in the society.

From the above discussion, there are no second thoughts to the notion that those who do not compromise on their principles, face hardships and oppositions with courage and fortitude attain a place in the memories of people that even death fails to obscure these memories. Stephen Hawking, Oprah Winfrey, Malala Yousafzai, and J.k Rowling are the prominent people whose affiliation with their goals not only earned them fame but also made them a symbol of courage and motivation to others. Consequently, one should not compromise for the fear of failure and opposition but one should work hard and face the hardships with courage so that he may make his mark in this world.

Competition or Cooperation are certainly two opposite words. Beyond the shadow of a doubt, both play a significant role in our stages of life. Bertrand Russell in his book ‘The Conquest of Happiness’ compiles a chapter ‘Competition’ which he included in a part named ‘Causes of Unhappiness’. Many a person may not consent with him or me supporting his point that competition is actually is not a cause of satisfaction. Having in a competition with someone only gives you depression and lavishing all your time thinking about outshining the people around. Though competition urges you to become not only better but best which is actually an admiring thing, but nowadays in the avarice of becoming best one forgets about one fellow humans. In one’s zest of competing with others, one often neglect one’s family, friends or children no matter how endearing they all are, but his self-esteem does not allow him to think about anything else. Whereas, word Cooperation, on the other hand, itself holds a beautiful meaning.

Bertrand Russell writes ‘The only thing that will redeem mankind is cooperation‘. We are living a hectic life today. We are always busy in something or other. Similarly, we are also occupied in being egocentric. With so much advancement in life, so much struggle is needed. Indubitably we are living a better life than our ancestors, but this modern life is lacking tranquility. When we come in competition with someone we not only become obsessed with it but also form rivalries. Secondly when in a competition we only depend on ourselves. We do not care whether we would be able to reach this thing or not, we never think of its uses or drawbacks, what we only think of is to outclass everyone or to prove ourselves to everyone.

Competition to attain influence, power and dominance over others set the stage for the worst nightmares of humanity. Hitlers’ obsession for power and its consequences in the form of World War II consumed the lives of 6 million people. Wars and violent conflicts are the terrible illustrations of competition between the opposing forces which exploit each and every resource in their possession to attain might and dominance.

On the contrary, cooperating with other does not only build good relations but also enrich your mind with new and unique ideas. When we cooperate with others we meet new people, we get to know new things, we share thoughts, we help each other and most of all we succeed together. When we reach our goal with each other’s help we celebrate it together, we can assure that there is someone always to back us up in our hard times. There exist so many examples from history, literature or even present time that shows how collaboration helped them in their tough journeys of life. Whether it was a cooperative society, cooperative leaders or cooperative humans all proved themselves to be followed as an example.

The processes of cooperation have played a major role in shaping the history. Let’s discuss the example of UN (United Nations), an intergovernmental organization that aims at promoting international cooperation and resolution of conflicts through dialogues and negotiation rather than deadly conflicts and tormenting wars. The UN’s mission is to preserve world peace and create harmony. After the second world war, a joint declaration by USA, UK, Northern Ireland, China, Belgium, Australia, CostaRica, Canada, Cuba and many other states was signed. UN was formed to get victory over the enemies of humanity. For liberty, independence, religious freedom, human benefits, and justice, all states cooperated with one another. 70 years of UN is an emphatic reminder of the notion that international cooperation is the only way to defeat the monster of terrorism, hunger, gender inequality, unemployment, and poverty. Universal Declaration of Human Rights, Food Aid, Aid to Refugees, Protecting Children, Peacekeeping missions, War Crimes prosecution and Fighting AIDS are some of the notable achievements that would have never been attained by one person.

Sports provides us with the best example of cooperation. How all members of the team forget their personal identity and work only for the benefit of the team. Although sports are competitive by nature when there is a cooperation between the members they motivate each other and play as a single entity, they pave their way to winning.

Many people especially parents believe that a competitive state is healthy for children as it prepares them to face the modern society but I believe they should tell their children more about cooperation as it helps children learn to communicate, to build good relation in society and mark their name in society by helping others.

Many people assume the word education as the knowledge gained in schools. This is common mistake as we all relate the word education to only schools, colleges or universities. Living a restless life, many beings especially parents or guardian thinks they are meeting their duties of giving their children a good future by sending their children to best schools. And why should not they be satisfied? Sending their children to best schools, providing them with all facilities, fulfilling their demands is all what makes them best and earn them prestige. We are living in the 21st century, certainly school is important, today without school education, getting a job is beyond the bounds of possibility as all career paths require education. Education is a base and everybody knows its importance too. Not only a person but also a nation can never survive without modern education.

Education is defined as the acquisition of values, skills or habits other than knowledge.You can learn skills from school of course, the main purpose of an institution is to spread knowledge, so you can become rich in knowledge of this world too.

Schools obviously teach its pupil about values. Institutions improve your personality , it gives you the knowledge of universe too but you can never guarantee reverence and success by only getting education from schools.

A little girl is bragging about her living standard, about the money they have, about her big house in front of her friends who do not belong to a very rich family or do not live in a big house. In short the girl is degrading her fellows. Whose mistake is it now that the girl is behaving in a conceited manner? Should the parents of little girl’s fellows complain to the school staff for her manners? No. Its not their concern that how is the girl’s nature. Of course, its the duty of parents to give them proper time, to make sure they are in a good company, they are not hurting their friends or fellows, they show good behavior to everyone. Parents can not complain to teachers or any institution for the bad behavior of their children at home because its not their job. Their job is only to teach them right or wrong, next comes the duty of parents to see if they observe what they are being taught.

Influence play a great role. Influence is created on anyone without any exertion of force. A mother can make her daughter behave the way she wants by rebuking her at the time but not always. Chastising does not always work. Sometimes too much criticizing or enforcement convert things from bad to worse. Mostly we repeat things just in anger to show others what we can do or not. On the other hand influence can be made without any enforcement. When you do some good act or deed, everyone try to follow it. There is a common saying; ‘Man is known by the company he keeps’

We do what people around us do. We follow things that impress us. Influence is not always good but its definitely very powerful. A good leader always leaves an influence on its people, similarly children always follows their parents’ footsteps. There are many leaders from history who showed how their influence on people led the whole nation to path of success. Still today, leaders try to influence people through their actions, dedication and passion to obtain their objectives.

A worker will never do his job properly if his boss does not take any interest in work. An executive’s charge is to create his good influence on his workers. Though he hire all well-educated or deserving candidates but why should they put so much effort in their work if the head himself does not care. Despite that they are graduates from good institutions but still comes the point we are discussing; education does not only comes from schools or it does not only mean learning or outshining others by your knowledge. It includes so many other things that result when you learn from your people around, this is why most people will agree with me that education results from Influence other than school.

Its a common adage ‘No body is perfect’. A lot of people believe in this saying but there are some who claims to be perfect or credits their perfectness for all that they have achieved. What does the word ‘Perfection’ really imply? Flawlessness, faultlessness,sublimity, magnificent; all interpret the word Perfection. Have we ever met a person in all our life who is exemplary by all means? Frankly, No. I would rather say that Perfection is the result of success not success is the result of perfection. This is certain that perfection is an impossible goal, many people easily accept their flaws or faults and give up. But this definitely not the right thing to do, accepting your faults is a good thing but giving up is at the same time the worst thing. We should never give up because we do not find ourselves perfect instead of that we should continue our struggles in the face of adversities with the talents we possess. We don’t need to be perfect but we need to be excellent in what we do. Hard work matters more for success than perfection and of course the ingredient of luck makes the recipe more delicious.

How true has Aristotle said ‘Pleasure in the job puts perfection in the work’

Work needs to be done with pleasure, enjoyment and concentration. When we back down because we don’t feel perfection in it, we can never succeed. When we aim only for perfection we only surrender ourselves to stress. In continuous thirst of outshining others and becoming the best,we just waste our precious time and energy. The truth is really not that we admire perfection but we are envious of each other. We examine things on their face value and miss out necessary details though we know that we are living in an imperfect world filled with disparities, injustices, grievances and struggle at every step. If we run after perfection we will get nothing but if we do our ordinary work with assiduousness or excellency, it will definitely bring perfection in our lives.

There exists so many examples from history, literature or present that manifest how struggle of the leaders or heroes made their imperfect lives perfect that still today everyone admire.

Lets take a glance back at the life of Thomas Alva Edison, the inventor of bulb. His invents influenced so many lives around the world, in fact influenced the whole world. He was taught at home by his mother. At and early age he developed hearing deficiency. He sold candies and newspaper on train. He sometimes sold vegetables to surcharge his income. His life was not perfect by any means. He faced so many problems but that did not refrain him from struggling. His inventions include Fluoroscopy, Telegraph Improvements, Motion Pictures, Mining and Rubber. He did not invent this all at one time but he spent his life striving for these. If he had given up, we would have all been living in dark today. His life was not exemplary but after trying and succeeding he made it ideal and achieved perfection out of misery. Today people remember him by his work, many places have been named after him, museum has been built after him. And these places are created to honor his achievements.

There would be hardly any one in the world who likes complainers but along with it is also true that we all do complains for one reason or other as Dejan Stojanovic said;

‘Some people complain there are too many people on earth,
Some people complain about secret societies,
Some people accuse others of not being able to wake up early.
Almost all people complain about something.’

Bu the question is do we really need to complain for every little thing? Some think that people who make their desires or needs known to others by making noise (by complaining) are the ones who get what they want. This is a common thing that instead of changing what we don’t like, we chose complaining as the first choice. We spend too much energy in complaining which can be used to make things better. Though complaining does not always work, we still use it as a strategy.

From a playing game to a bigger exam, when we are about to lose; we protest. Since our childhood, we have been listening to a story ‘The Boy Who Cried Wolf‘. This story has always been told as a cautionary tale, the boy who cried for sympathy through unjustified ways from others definitely got it but lost their trust. Similarly, when in a game or exam we complain; we may achieve our goals but not respect. Everyone around us consider it as an achievement gained by tricky ways devoid of any praise. Like an old famous saying;

The squeaky wheel gets the grease.

This is an American-idiom that conveys idea that the most noticeable or loudest problems are the most likely ones to get attention. This means if you tell your problems loud enough to every one, you will likely get their attention but at the same time it is true that no one likes the squeaky wheel. One may get what one wants by begging or complaining but it creates an impression of weakness at the same time. Every indvidual is different from his fellows. We all have our priorities. We all think differently. Some think complaining for needs is their right. Some says its right to make noise to make your needs known. Others define complaining as weakness, way to hide your failure. Simply put, we all have our own ways of thinking and like so many people in the world I believe that the only way to attain something is through dedication and hard work. If that does not work, instead of putting and wasting vital energy in complaining we should concentrate it in solving the problem by utilizing every mean in possession. Rather than complaining its better to think of our blessings first.

Unhappiness meets us everywhere. Be it rich or poor, young or old; whoever you meet you will find that each one has its own trouble. It’s true that life surprise us at every step with new challenges, the struggle for life will always interfere with your existence. Some says that it is not true as there are some who possess everything (rich). But as I said we are humans, we love to assume things. A poor person is so occupied with his struggle for existance that he mostly found complaining of his wretched life. The rich is so worried about his business and making money (outshining others) that he also complains of his busy and hustled life. The young students always https://homeworkmarket.me/ complain of their hard study life. To put in simple words, we are all struggling for success, we are all running after something. Some are busy in pleasing their GODS, some to be in good books of teachers, some in making their parents proud, some in proving themselves. Who is happy then? The simple answer is ‘Those who has become emancipated from the materialistic territory of life and find peace by helping out their fellow humans through every mean available’. They are the one who will find life much more mirthful than it used to be.

One of the sources of unhappiness is to compete with other. There exists a paradox that we wish to be like our competitor but at the same time we get preoccupied with envy and start complaining about it. We can never be happy if we continue to feel envy. All bad things are connected with each other and any one of them can become the cause of other. So is complaining, if we complain all the time it creates an impression of a jealous, weak and insolent person who always complain and never thank for the blessings he possess. If we always chose complaining for our needs to be known, it will itself become our need and we will find our self helpless in any matter without it.

To me its a negative flash, problems are meant to be solved not complained. When we find ways for solving it instead of protesting, we can not only come over our problems but also discover our hidden abilities and strength. It’s not the time to complain, it’s the time to show the critics who complain about your weakness, what you can do. Its time to bring a positive change that can never be brought by worrying or showing dissatisfaction. It can only be brought by focusing on the things that can help you in achieving what you want.

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When Should You Use a Private Loan?

A loan isn’ t regularly the solution in a financial problems, yet there are actually scenarios where making use of a loan is actually a practical course of action. Some of the better main reasons to secure a loan is actually to combine highinterest financial debt. If you possess various charge card along withmajor balances at higher rate of interest, it may spare you bothmoney loan usa http://www.usacashnetloan.com and also inconvenience to pay all those differences instantly and combine all of them right into a solitary monthto monthsettlement at a lesser cost. A remainder transactions credit card might perform a comparable function.

If you obtain sensibly, meaning you don’ t over-extend your own self, and also you produce all your repayments on time, you can fund a residence improvement, a wedding, relocating expenses, memorial service expenditures, medical expenses, a secondhand auto, or even a brand new business venture.

Do You Needed To Have Great Credit to Get a Loan?

If you prefer the greatest rates of interest, after that of course, you require a really good credit report, yet it is actually possible to discover a prepared financial institution even withbad credit report. You will likely end up spending greater rate of interest to lessen the creditor’ s risk. During that case, just apply for a bad debt loan if you’ re positive you can easily repay the money swiftly. If you’ re certainly not interested in dealing witha provider who delivers private loans for people along withnegative credit score, you may make an effort going directly to your bank or even a cooperative credit union for an individual loan.

When making an effort to secure a loan along withbad credit report, maintain this pointer in mind: If it seems also good to become accurate, it probably is actually. For example, a firm ready to hand over a huge quantity of money without also inspecting your credit rating is likely a payday lending institution. You could possibly find yourself along witha rates of interest in the triple digits that leaves you in a debt catchyou can’ t retreat. Taking out an individual loan along witha higher rate of interest quashes the perk of also possessing the loan to begin with.

If you’ re only a few credit report ideas out of a lower fee tier, our experts advise doing what you can to lift your score into the upcoming rate before securing a loan, thoughin some situations, waiting could not be actually an alternative. If you carry out have the deluxe of your time, the observing ideas can assist enhance your credit score promptly.

Compare Fees as well as Apply Online

Use the comparison tool listed below to view a number of choices without commitment.
Just get into the function, the amount, your approximated credit rating, as well as the state you reside in to quickly check out providers available to accept your request online at the moment.

4 Tips for Discovering the most ideal Loan

1: Review a number of promotions.

Never enroll the dotted line along withthe top place you seem. Eachfinance company is going to possess a somewhat different formula when considering your treatment, whichimplies your rates of interest are going to differ coming from one loan provider to the upcoming.

2: Keep an eye out for costs.

Make sure you understand whether there are expenses related to your personal loan aside from the interest you’ ll wages. Some of the absolute most popular costs is a source charge, whichcan vary from 1% -8% of your loan total amount. Likewise

3: Decide on the best loan term.

Ask exactly how flexible your lending institution gets on loan terms. Some online creditors might simply permit you choose in between 3 and five-year terms. Term is vital due to the fact that it affects the amount of you inevitably spend over the lifestyle of the loan. A longer phrase may aid maintain your monthto monthremittances lesser as well as even more manageable, yet it indicates you’ ll be actually paying extra ultimately. On the flip side, a muchshorter condition is going to imply muchhigher repayments, but you’ ll pay out muchless in interest overall.

4: Be careful of loan frauds.

There’ s no deficiency of unscrupulous financial institutions hoping to fraud prospective customers. Listed below are actually a few pointers that will aid you prevent shams as well as be sure you’ re managing a valid business: Don’ t salary in advance fees. Don’ t income to secure the loan. You ought to feel responsible. Take your service somewhere else if a loan provider threatens you in any way, makes an effort to dissuade you coming from thinking about competitions’ ‘ promotions, or makes an effort to get you to acquire more than you are obligated to pay.

The Bottom Line

All in all, finding the very best personal fundings and also receiving the cashyou require may go a long way toward aiding you obtain your monetary dreams. Whether your objective is actually to lastly fix your roofing, to get out from under the thumb of difficult charge card financial obligation, or even to take every other beneficial tromp the roadway to monetary independence, a cashmoney infusion from a private loan can easily assist you develop a better future.

Studybay Wikipedia

Studybay Wikipedia

Students often search for help with their college or university assignments online. The matter is that they are often piled up with different tasks or have to combine their studies with work. Studybay.com is a website that offers professional help with writing assignments. On this website, you can get assistance with different types of assignments in various disciplines and scientific fields. The company guarantees the high quality of writing, no plagiarism, low prices, and direct cooperation with writers without intermediaries. I want to tell you about my personal experience with using the website, and thus, I have decided to write a Studybay review.

Service Design Studybay

Studybay.com claims to provide professional and high-quality assistance with any types of assignments. Its services include not only some of the traditional writing assignments, such as essays, reviews, reports, coursework, dissertation, and others but also proofreading and revision services, PowerPoint presentations, and non-word assignments. Also, if you need the writer to fix something in the completed paper, you can ask for a revision. As the company claims, you can ask them to write any topic you need starting from difficult business reports and financial analysis papers and ending with some fun topics to write about. There are sample essays available on the website so that clients can find out how the final paper can look like.

The name of the website is interesting as it is consonant with ‘study buy,’ which is a description of the main purpose of Studybay.com. I also like the name of the site Buyessayfriend.com. The website of the company looks attractive and is easy to use. All the important information can be found there. For instance, all the stages of the working process are outlined on the main page. The peculiarity of Studybay.com is the fact that there, a student first places an order and then hires a writer. That is why much depends on the writer you choose. In order to hire the writer that will best suit your topic and discipline, you can check studybay reviews that are also available on the website. In this section, you can read a review study buy written by other students who have used the website and find useful recommendations concerning particular writers.

Price Discounts of Studybay

On the website, you can see all the information about the prices of the most typical writing services depending on the type of assignment and the deadline. For example, the company offers the lowest prices for creative writing assignments with 4-hour deadlines. Term papers can be done within 6 hours and will cost a bit more. Besides that, there is a price calculator, and any client can use it to find out the price for a particular order. The main disadvantage of the service is that the prices are too high. Also, when you place an order, you have to negotiate the price with writers. In most cases, the price is higher than you originally expected. To make matters worse, except for the established price for your paper, you have to pay some extra fees, including a commission fee and a tax fee. The final price, which consists of some confusing fees, can disappoint you like it was in my case.

As for discounts, the information about them is rather confusing. It is stated on the website that there are some discount programs available, but I did not get a discount. Also, there are no special offers, neither for first-time clients nor for regular clients. There is some ‘special price’ offers but they are available only sometimes.

Quality Of Writing by Studybay

The quality of writing is pretty good. However, it depends on the writer you choose. Some of the writers are not native speakers, and they can lack even some basic knowledge and command of English. You can find out more about any writer and learn what experience he/she has, how long he/she works in the sphere of academic writing, what his/her qualifications are, and some other details concerning the working process.

Still, experiences differ, and you can face a really bad or inexperienced writer. In this case, you should be ready that your paper can contain some grammatical errors or have problems with format and structure. For instance, I ordered an article review and uploaded an article review template because my professor asked for a particular format. However, the writer did not follow the template, and I had to ask for a revision to fix this issue.

Delivery from Studybay

Speaking about my experience, I had my paper delivered in a timely manner. When you place an order, you can establish the deadline and expect your paper to be delivered on time. Also, you can find out in essays review section some information about particular writers and learn who works fast and will definitely complete the paper on time. Besides that, the company guarantees no plagiarism and an opportunity to ask for a revision. That is why unless everything is fixed the writer is not paid for the order.

StudyBay paper writing service has risen from a tiny website and now is considered as a huge corporation. Not only their clients can talk to the writers directly, but they also have the opportunity to choose the writer based on a little chat prior to the order is paid. The quality of StudyBay papers depends solely on the writer you choose. I saw some non-native speakers with plenty of typos in their messages and fair-minded adequate people who wanted to get a reasonable payment for their work. You can easily negotiate on price before placing an order, and the writer can estimate the amount work required without any cliches. The support agents usually are not required, they reply very slow and are not helpful. Overall, the StudyBay Company is a good place to go in case if you are familiar with the topic and need some guidelines only. The prices are reasonable, and the quality is above average if you choose the suitable writer. The only question that still remains unanswered is, ‘Is StudyBay legal with its mirror sites like appessay?’ See the full study bay review below.

Offered Products and Services

The business model is really one of ‘matching’ students and writers for the completion of academic writing assignments. Students at any academic level, all the way through Ph.D. candidates, can place orders for a full array of academic writing. Once orders are placed, they are placed on a job board and are open for bids from site-registered writers. Students may then access writers’ profile pages and get information about the title of pieces they have competed, how many orders they have filled and their record of on-time delivery. There are also testimonials on those profile pages.

Quality of Products/Writers

Study Bay states that all of its registered writers are degreed, seasoned professionals. However, this is difficult to judge because there are no writing samples available for customers to view. When we asked writers, who were bidding on our paper, for samples, we were given a variety of excuses why this could not be done. We were not impressed with their responses.

Former StudyBay customers who have posted feedback and reviews on the web do not seem to be impressed either. Many state that their writers were obviously studybay foreign and their lack of full command of English was apparent in the pieces they received. When they asked for revisions, things were not much better.
The paper we received, which was to be a college level piece, was quite ‘elementary,’ more suited for a high school level in terms of structure, vocabulary, and composition. We suspect our writer was ESL as well, considering some of the sentence structure errors and incorrect verb tenses and word usage.
Regarding writers and their qualifications, we looked at the StudyBay.com process for writers to register. Basically, a writer signs up, agrees to their terms and conditions, completes a profile and is then able to receive announcements of all orders and bid on them. A huge concern is the lack of quality control. No credentials are verified.

Certainly, Study Bay is not a fraud or scam, but quality concerns are an issue. We also were unable to find a BBB membership or any information on the location of the company’s headquarters.

Why choose StudyBay?

All registered experts have solid experience in academic writing and have successfully passed our special competency examinations.

Studybay offers the lowest prices on the market. Our prices start at just $5 per page!

We only provide unique papers written entirely by the writer himself. You are 100% protected against plagiarism.

In ordering from us you are working directly with writers, and not overpaying intermediaries. So, you save up to 50% of the cost.

How Studybay Works

1.Provide detailed instructions for your assignment. It’s free, no credit card required.
2.Our writers will make their offers.
3.Check out their reviews, assignment history, ratings, etc. and hire the best one for the job.
4.Your writer will start working as soon as you complete your payment.
5.Your paper will be delivered before your deadline. You get additional 20 days to check your paper and request any revisions, for free!


If you are looking for a fast academic solution, Studybay is not a good choice for you. The minimum possible deadline for a paper is 16 hours. Other companies can deliver a 3-page and sometimes even 5-page essay within only 6 hours. Hence, if you have an urgent assignment, we do not recommend this service. Besides, take into account that since the company does not assign writers to your paper, it may happen that there will not be any writers available to do your paper in accordance with your urgent deadline.


The prices on Studybay start at about $15 per page. It is not the average cost of an essay writing service, but also not the highest one. If you believe that you can negotiate the price with a writer that is a big mistake. As a rule, all writers say that it is the lowest price they offer and they cannot make a discount.

I Fulfilled a Real You

I Fulfilled meet women a Real You

When I first found the man who eventually become my husband, I used to be ready to compose him out of before we tend to even received our first date. (more…)